Tag: Questions

Quizzing in India: What are some of the best business quiz questions you –

#business quiz

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Personally, my favorite questions are those which have me wide-eyed and wondering –Seriously? – when the answer gets revealed. Two that come to my mind:

1. What will be offered by Kashi Vishwanath temple in association with Shri Prakash Raghuvanshi?

This was asked by Pickbrain at Tata Corporate Crucible, Gurgaon in Sept 12. Now I have spent the last 4 years in Banaras (location of the temple) and I honestly thought this question lame (I mean could be any offering- clothes, jewellery, left-over temple flowers, exotic sweets). Until the answer was announced:

Ans: PACKAGED MANURE (1)

2. X has had over 43 pets including 21 dogs, 12 horses, 3 ponies, 6 cats, a parrot, a chimpanzee, a panda, a lion cub, a giraffe and a zebra.
AND… 80 careers everything from a rock star to a paleontologist to a presidential candidate.

Question asked in a school quiz in Dubai several years ago. The guesses ranged from Arnold Schwarzenegger, some Arab Sheikh, Elvis Presley. One team actually came very close to the actual answer with Sarah Palin! (2) Of course, the answer was:

Hard to pick one, but here are some of my favourites:

1. In 1928, AT T s Western Electric established a division for the specific purpose of installing and servicing their loudspeakers and electronic products for motion picture use. Called E.R.P.I. (Electrical Research Products, Inc.), it was purchased as part of a consent decree in 1936 by a group of E.R.P.I. executives, including George Carrington, Sr. and Mike Conrow. They changed the name to All Technical Service Company .
How do we know this company today?

Ans. Altec ( All Tech ) Lansing.

2. A person with ___________ is open and available to others, affirming of others, does not feel threatened that others are able and good, for he or she has a proper self-assurance that comes from knowing that he or she belongs in a greater whole and is diminished when others are humiliated or diminished, when others are tortured or oppressed.
What modern-day product takes its name from the above mentioned philosophy mostly because it is based on the same principle?

3. Started in 1945 by two friends Burt X and Irv Y. with the merging of their respective individual shops, XY has since become one of the leading companies that sell Z. It is distinctly recognized by its logo which contains a number – signifying the number of varieties of the product it sells.

Its new logo, revealed in 2005, is hailed by many as one of the most innovative logos of all time for its clever inclusion of the above mentioned number into it.

Ans: Baskin-Robbins (X-Y) and if you don t know what they sell, I suggest you go out more often.

A few questions which I really liked.

1.After India became independent in 1947, the Planning Commission was entrusted to oversee and direct the development of the nation. India grew rapidly in the 1950s, and in the late 1950s the Commission started facing difficulties in finding suitable people for the large number of enterprises that were being established in India as a part of its industrial policy. To solve this problem, the Planning Commission in 1959 invited Professor George Robbins of the University of California. What resulted?

2. The name of this website stems from a Hindi phrase used on anyone who attempts to achieve the impossible. Started by Wharton graduate Allwin Agnel in 2003, its mascot is named ‘Monsieur Green’. Which website?

3. The following table gives the exchange rates of a certain currency in three different denominations. Identify what has been blanked out.

4. In what way is this photo of Lord Pethick Lawrence and Mahatma Gandhi, taken on April 18, 1946 significant to this day? (Question Courtesy: Navin Rajaram )

5. As a part of the Windows Vista makeover what did Microsoft add to the game Minesweeper (blanked out in the pic shown below) and why?

6. Shown below is a character from an unique language which caused an outrage from a certain group when it was dropped from Wikipedia’s official logo in 2010.Which Language?

7. This is Hannah Steller photographed by her older brother, Dustin Steller. The photo was originally uploaded to iStockphoto in August 2005 as a result of which, it made her immensely popular all over the world.
How/what is she known as?

8. It was discovered that defects in the sphere from knicks and scrapes of normal use, could provide it with a truer flight than a pure sphere. Thus,makers started creating intentional defects in the surface by hammering to give it an evenly dimpled shape which would cause it to have a more consistent flight. Funda behind what?

9.This is a letter sent to ‘Lady Gaga’ by the firm she had previously threatened to sue for a certain product. What was the product and the controversy?

Further to our letter of 9th March, we note that we have not heard back from you or from your client Lady Gaga despite your demands that we respond to your letter by 4.00pm on 9thMarch.

In fact you have not even confirmed receipt of the letter which was emailed and delivered to you by hand.

As you will have noted from the contents of that letter, the product your client described as ‘nausea-inducing’ and ‘possibly unfit for human consumption’ was given a clean bill by the authorities last week.

We are therefore seeking your permission to re-launch our ______ in a way which will not offend, upset or distress your client in any way. As such we are holding a ‘Name the Baby’ competition and asking for the approval of one of the following names.

10. In an interview to Walter Issacson, when asked about life and death, Steve Jobs said Sometimes I don t. It s 50-50. But ever since I ve had cancer I ve been thinking about it more, and I find myself believing a bit more. Maybe that s because I want to believe in an afterlife, that when you die it doesn t just all disappear. The wisdom you ve accumulated, somehow it just lives on.” He further added that he implemented this philosophy in his products. What feature or rather minimalism was implemented in Apple products because of this?

——
(Please answer in comments. I hope that the answers can be can be worked out by a combination of knowledge and by a few assumptions. I would add the answers after a few people have attempted)

I would also like to add the biz questions (Twitter, Campbell s Soup, Ambergris and Kit Kat mail) from my answer to What are some of the best quiz questions you ve seen to this list as well.


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10 Questions to Ask Before Selling Your Business #business #books


#sell my business

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10 Questions to Ask Before Selling Your Business

If you re thinking about selling your business, think twice. Selling a business should never be a spur-of-the-moment decision, says Curtis Kroeker, group general manager for San Francisco-based BizBuySell.com and BizQuest.com. business-for-sale marketplaces that have an inventory of about 40,000 businesses. You need to figure out things like if you should sell, when is the best time to sell, and what you need to consider before selling, among many other considerations.

So, should you sell your business? Here are 10 key questions to help you figure it out.

Is my business ready to sell? Kroeker recommends at least two years of preparation before putting your business on the market. Make sure you can produce two to three years of tax returns that are accurate and show maximum profitability to get the best price for your business, he says. You can t start putting things together the month before you sell.

How is a buyer going to value my business? Particularly with family ownership, companies sometimes run everything through the business, such as country club dues and car allowances, says Robert Kibby, section head of the corporate and securities group at Dallas-based Munsch Hardt Kopf Harr Attorneys and Counselors. Loading the business with tax write-offs can make you appear less profitable and cause a buyer to undervalue your business.

Who should be on my team when I sell? It s important for entrepreneurs to figure out whose services will bring them through the sales process and help them get the best price for their business. Do you need an accountant? How about an appraiser, attorney, consultant and business broker? The buyer is typically going to have a good team to go over your business, so you should, too, Kibby says.

Is it the right time to sell? Many people wait till their business is on the decline to sell. That s the exact opposite of what you should do, says Debbie Allen. a Phoenix-based business and brand strategist and consultant. You want to sell when you are at the top of your game peaked out, she says. Some will say, I m making good money now. Why should I sell? That s thinking like a business owner, not an entrepreneur.

Is the market right? Before selling, look at current market conditions for your industry. Selling a home improvement business in 2006 showed a pretty good return. Fast forward a couple of years and many roofing, siding, home financing and other housing-related companies had lost a big chunk of their value. I saw companies who turned down an offer in 2005 who couldn t get three-quarters of that price a few years later, says Allan Siposs, a managing director of FMV Capital Markets in Irvine, Calif. which offers services for mergers, acquisitions and divestitures. Wait until market conditions are better to sell.

Can I cope with the changes on the horizon? Rapidly changing technology, increasing globalization and other business trends can prove too much for some business owners. Keep your eyes trained three or four years down the road, and if you don t believe you can keep up, sell before your failure to adapt catches up with you. Some people find it hard to leave, but if you wait too long, the industry may pass you by, Allen says.

Can my business thrive without me or without a key customer? If a buyer is concerned that a business is too dependent on the owner or a single customer, he may take his offer elsewhere. A good business can operate when the owner is on vacation and has good revenue diversification, where no one customer represents more than five percent of the business, Siposs says.

Would I be willing to stay on if the buyer wants me to? Sometimes you can seal a deal by agreeing to stay on in a consulting role for a period of six months. But first, you need to determine whether it s really worth it to you. If you re willing to stay on, it might reduce the risk to the buyer and increase the value of the company, Siposs says.

What are the potential deal breakers? Unresolved issues can rear their ugly head and interfere with a sale, particularly in areas such as company ownership, accounting and intellectual property rights. For example, an owner may have used a contractor to write software for the company without requiring him to assign his rights to the company. This can create questions about who possesses critical rights, which can scuttle the deal, Kibby says. So, consider what your potential deal breakers are and try to resolve them before you re near to closing a deal.

Would I consider alternatives to an outright sale? If an outright sale isn t right for you, a CPA or investment banker can help evaluate other options. How about structuring a deal to pass on the ownership to employees through an Employee Stock Ownership Plan (ESOP)? Would you consider selling a percentage of the company to a private equity fund? Or would you do a leveraged recapitalization, which is a loan that puts a portion of the proceeds in your pocket?


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Quizzing in India: What are some of the best business quiz questions you –

#business quiz

#

Personally, my favorite questions are those which have me wide-eyed and wondering –Seriously? – when the answer gets revealed. Two that come to my mind:

1. What will be offered by Kashi Vishwanath temple in association with Shri Prakash Raghuvanshi?

This was asked by Pickbrain at Tata Corporate Crucible, Gurgaon in Sept 12. Now I have spent the last 4 years in Banaras (location of the temple) and I honestly thought this question lame (I mean could be any offering- clothes, jewellery, left-over temple flowers, exotic sweets). Until the answer was announced:

Ans: PACKAGED MANURE (1)

2. X has had over 43 pets including 21 dogs, 12 horses, 3 ponies, 6 cats, a parrot, a chimpanzee, a panda, a lion cub, a giraffe and a zebra.
AND… 80 careers everything from a rock star to a paleontologist to a presidential candidate.

Question asked in a school quiz in Dubai several years ago. The guesses ranged from Arnold Schwarzenegger, some Arab Sheikh, Elvis Presley. One team actually came very close to the actual answer with Sarah Palin! (2) Of course, the answer was:

Hard to pick one, but here are some of my favourites:

1. In 1928, AT T s Western Electric established a division for the specific purpose of installing and servicing their loudspeakers and electronic products for motion picture use. Called E.R.P.I. (Electrical Research Products, Inc.), it was purchased as part of a consent decree in 1936 by a group of E.R.P.I. executives, including George Carrington, Sr. and Mike Conrow. They changed the name to All Technical Service Company .
How do we know this company today?

Ans. Altec ( All Tech ) Lansing.

2. A person with ___________ is open and available to others, affirming of others, does not feel threatened that others are able and good, for he or she has a proper self-assurance that comes from knowing that he or she belongs in a greater whole and is diminished when others are humiliated or diminished, when others are tortured or oppressed.
What modern-day product takes its name from the above mentioned philosophy mostly because it is based on the same principle?

3. Started in 1945 by two friends Burt X and Irv Y. with the merging of their respective individual shops, XY has since become one of the leading companies that sell Z. It is distinctly recognized by its logo which contains a number – signifying the number of varieties of the product it sells.

Its new logo, revealed in 2005, is hailed by many as one of the most innovative logos of all time for its clever inclusion of the above mentioned number into it.

Ans: Baskin-Robbins (X-Y) and if you don t know what they sell, I suggest you go out more often.

A few questions which I really liked.

1.After India became independent in 1947, the Planning Commission was entrusted to oversee and direct the development of the nation. India grew rapidly in the 1950s, and in the late 1950s the Commission started facing difficulties in finding suitable people for the large number of enterprises that were being established in India as a part of its industrial policy. To solve this problem, the Planning Commission in 1959 invited Professor George Robbins of the University of California. What resulted?

2. The name of this website stems from a Hindi phrase used on anyone who attempts to achieve the impossible. Started by Wharton graduate Allwin Agnel in 2003, its mascot is named ‘Monsieur Green’. Which website?

3. The following table gives the exchange rates of a certain currency in three different denominations. Identify what has been blanked out.

4. In what way is this photo of Lord Pethick Lawrence and Mahatma Gandhi, taken on April 18, 1946 significant to this day? (Question Courtesy: Navin Rajaram )

5. As a part of the Windows Vista makeover what did Microsoft add to the game Minesweeper (blanked out in the pic shown below) and why?

6. Shown below is a character from an unique language which caused an outrage from a certain group when it was dropped from Wikipedia’s official logo in 2010.Which Language?

7. This is Hannah Steller photographed by her older brother, Dustin Steller. The photo was originally uploaded to iStockphoto in August 2005 as a result of which, it made her immensely popular all over the world.
How/what is she known as?

8. It was discovered that defects in the sphere from knicks and scrapes of normal use, could provide it with a truer flight than a pure sphere. Thus,makers started creating intentional defects in the surface by hammering to give it an evenly dimpled shape which would cause it to have a more consistent flight. Funda behind what?

9.This is a letter sent to ‘Lady Gaga’ by the firm she had previously threatened to sue for a certain product. What was the product and the controversy?

Further to our letter of 9th March, we note that we have not heard back from you or from your client Lady Gaga despite your demands that we respond to your letter by 4.00pm on 9thMarch.

In fact you have not even confirmed receipt of the letter which was emailed and delivered to you by hand.

As you will have noted from the contents of that letter, the product your client described as ‘nausea-inducing’ and ‘possibly unfit for human consumption’ was given a clean bill by the authorities last week.

We are therefore seeking your permission to re-launch our ______ in a way which will not offend, upset or distress your client in any way. As such we are holding a ‘Name the Baby’ competition and asking for the approval of one of the following names.

10. In an interview to Walter Issacson, when asked about life and death, Steve Jobs said Sometimes I don t. It s 50-50. But ever since I ve had cancer I ve been thinking about it more, and I find myself believing a bit more. Maybe that s because I want to believe in an afterlife, that when you die it doesn t just all disappear. The wisdom you ve accumulated, somehow it just lives on.” He further added that he implemented this philosophy in his products. What feature or rather minimalism was implemented in Apple products because of this?

——
(Please answer in comments. I hope that the answers can be can be worked out by a combination of knowledge and by a few assumptions. I would add the answers after a few people have attempted)

I would also like to add the biz questions (Twitter, Campbell s Soup, Ambergris and Kit Kat mail) from my answer to What are some of the best quiz questions you ve seen to this list as well.


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ATM FAQ: frequent ATM questions answered #business #networking #sites


#atm machine business

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Welcome to the ATM FAQ page

This is a combination of frequent questions and important information for current ATM owners and new ATM owners. Our intent is to give you as much information about owning and maintaining an ATM as we can. Operating an ATM is usually trouble-free. Replace the money, replace the receipt paper, push a few buttons to access administrative functions, not much to it. But problems can occur. From a Reg E claim, to ATM cash loading mistakes, problems happen, and when they do, you will be glad you bought your ATM from ATMmachine.com call toll free 888-336-4872

ATM FAQ – Frequent ATM Questions

1. How much money will I make? We don’t know exactly because it varies from location. It depends on the type of business the machine is located in. It also depends on the standard of living in the area. Where it costs more to live, higher surcharges are tolerated. You will generally pay a higher surcharge in New York City, than in a small town in Iowa. Another variable is how much of a surcharge you set. It’s easy to get a general idea though. Here’s an example: How many people do you think will use your ATM in a month? 100, 300, 500? Let’s say 300 people will use your ATM in one month. Let’s also say you have a $2 surcharge. So, 300 X $2 is $600 a month. Plug in any other figures to get a good idea of your potential. If you have a business that accepts credit cards, you know how high the fees are. An ATM can help lower those fees because you will be conducting less credit card transactions.

2. How much do your ATMs cost? In general, they start at less than $2200 and go up to $15,000. The best sellers are less than $3000.

3. Do you have statistics about ATMs? By statistics, we mean those questions asked about revenue potential. All statistics you read on the Internet include bank ATMs. This skews the information towards banking ATMs and the result is mostly irrelevant information when relating to lower volume locations. Most bank ATMs conduct hundreds of transactions per month while some non bank ATM locations are lucky to get to 100. Mix the two statistics together and the results are skewed towards bank ATMs. The only way to know revenue potential is to use this simple formula: number of transactions X amount of surcharge = money made. 300 x $2 = $600 as per the example above. If your machine costs $3000 to purchase with installation, in 5 months the ATM would be paid for.

4. Where do I get the money to put in the ATM? When you purchase an ATM, you will have to load it with cash for customers to make a transaction withdrawal. You will need to open a business bank account at a bank of your choice to get the money you loaded back by ACH deposits. Go to this same bank and tell them you need bundles of $20 bills to put in an ATM. Most people start with $3000 to $5000. Most ATMs hold around $20,000, although very few ATM owners put that much money in an ATM.

5. Where does the money go that comes out of the ATM and how do I get it back? When someone uses your ATM, they are accessing their debit or credit card account to get an overnight loan from your ATM. Most ATM owners set a surcharge fee for this convenience. Each ATM has a terminal ID and a bank routing number. When someone takes money out of your ATM, the banking networks know what machine did the transaction through these numbers. That’s how the banking networks also know where to put the money back the next day, through the routing number. Example: All ATMs settle on banking days at 4:00 pm EST. Money taken out of the ATM before 4:00 pm EST will appear in your bank account the next day. Any money taken out after 4:00 pm will appear the day after. Any money taken out after 4:00 pm EST on a Friday will not show up in your bank account until Monday. Saturday and Sundays are not banking days. All surcharge money is deposited into your bank account once a month. All vault cash you load is returned to you via your bank account, usually the following day.

6. What if I have a problem with my ATM? What if it needs repaired? There are ATM installers and repairmen nationwide. There are also support teams that help troubleshoot any problems before deploying repairmen. We also maintain a database of ATM tech’s nationwide. If you are a certified ATM field tech, fill out our form on the home page.

7. Can you mail me all the information you have about all of your ATM machines? All of the information we have is included on our web site. Almost every word on each machine’s brochure is included on our web site as well. You can download each machine’s brochure on our brochure page if you like. The link is on the right side of this page. The purpose of this web site is to not have to mail out information. Why wait a week when you can read about it or download it now?

8. Are there any fees or charges? We have tried to make ATM processing as low cost as possible. There are some small charges that come from ATM processors however. Some administrative functions such as refilling the machine with money, resetting machine totals, etc. require the ATM to dial out to the processor. This basically amounts to a data phone call, and a .03 cent fee. For example, let’s say you filled the machine once a week for a month and reset the total in the machine. The ATM would dial out to the processor 4 times at .03 cents each for a total of .12 cents for the month. There is a $10 network processing fee each month while the ATM is connected to the national network system. That’s about .30 cents a day.

9. I want an ATM that works on DSL or wireless. Do you sell those? Yes, we sell those. Our recommendation has always been to stick with a standard phone line. However, we are rapidly moving towards recommending wireless technology. As more phone systems switch to digital, an increase in analog devices having problems communicating will occur. DSL and other digital technologies have the advantage of being faster per transaction, but unless you anticipate a waiting line at your ATM, you really do not need the speed of DSL. As with wireless, additional hardware must be purchased and you would need to have knowledge of IP addresses and networking. Also, DSL is prone to brief outages that can prevent an ATM from completing a transaction. It’s so much simpler and cheaper to use a standard phone line. Our recommendation is this: Start off with the standard phone line if one exists. If the ATM can process transactions reliably and without errors, then you are one of the lucky ones. If you have communication errors, or no phone line exists and need one installed, consider a wireless device to take the place of needing a phone line. A wireless device can save hours of troubleshooting ATM communication errors.

10. Can you find me a business to put my ATM in? I heard you could make money doing that. If you want to start a business placing ATMs in businesses you do not own as an investment venture, we really have no information about how to do that. Some of our customers are established ATM companies and are frequent buyers. Many started out with vending routes. We simply sell ATMs at ATMmachine.com. We are not advisors or start up consultants. (Not enough hours in the day and the pay is lousy!) If you already have an ATM business and need to buy more machines or find a better processor, we can do that. We try and devote all of our time to helping storefront business owners purchase an ATM for their customer’s use.

Getting Started

We’re glad you found ATMmachine.com and are having a look around. This page is helpful to read before you buy an ATM. It’s a great place to get started.

888-336-4872

Call to order an ATM to purchase. Call if you have any questions about purchasing an ATM. If you purchased your ATM from ATMmachine.com, call us for service or repairs first. Click the support links above for more choices of ATM help pages to visit.

1998-2016 S & T Enterprise Group Inc.


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Permit Processing Frequently Asked Questions – Baltimore County #baltimore #county, #maryland, #md., #md, #government,

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Baltimore County Government

Permit Processing

Frequently Asked Questions

Q. Do I need a building permit to add an additional bathroom? How can I obtain a building permit?

A. If it is a commercial building, yes; if it is a residence, no. However, plumbing and electrical permits are always required. The licensed plumber and electrician may apply for their respective permit before the work is initiated. The property owner or designee may apply for the required building permit in person by coming to:

County Office Building
111 West Chesapeake Avenue, Room 100
Towson, Maryland 21204

For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. Is a building permit required for a small storage shed in my back yard?

A. If the structure exceeds 120 square feet, a building permit is required.
If it is 120 square feet or less, a permit is not required unless:

  • It will be used for livestock or human occupancy
  • It is located in a designated “Chesapeake Bay Critical Area”
  • It is located in a 100-year floodplain
  • It is located in a “Baltimore County Historic District”

The accessory structure (storage shed) must be in the rear yard, unless a zoning variance is obtained.

If the structure is over 120 square feet, but less than 1,000 square feet, four plot plans are required with the application.

If the structure is over 1,000 square feet, five plot plans and two construction plans are required with the application.

Even if the structure is less than 120 square feet and requires no building permit, it must still meet zoning and environmental protection requirements.

For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. Do I need a building permit to replace my windows and doors?

A. Unless the property is in or part of a historical district, doors may be replaced without a building permit, provided there is no structural work, and the location or size of the door or window does not change. For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. How long does it take to get a building permit after the application is filed?

A. The processing time required before approval and issuance varies for different types of construction projects. Some permits for small projects may be issued the same day. Larger and more detailed construction projects will require review of construction plans and other related issues by one or more different county agencies. For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. How long is my permit valid and can it be extended?

A. Permits are valid for one year with an option to be extended for one additional year at the time the application is filed. If the permit has expired, you will need to file for a new permit. If your permit has not expired or just recently expired, you may request an extension by contacting Building Inspections at 410-887-3953.

Q. How can I schedule an inspection or check on a permit?

A. Use Inspection Connection to schedule, reschedule, or cancel building, plumbing, or electrical inspections, available twenty-four hours a day, seven days a week. Call Permit Processing at 410-887-3900 to check on the status of your permit.

Q. Do I need a building permit for a small addition to a house?

A. Yes, any additions to the house require a permit. For additional information, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. When do I need a permit for alterations to a house?

A. A building permit is required for structural work or when a new bedroom or kitchen are created. Permits are not required for siding or roof repair. However, if your house is in or part of a Baltimore County Historical District or is on Baltimore County’s Landmarks List, a building permit is required for any work on the exterior or any work that affects the exterior appearance, including repair or removal of any part of the house, fence or accessory structure. All electrical or plumbing work requires a permit and must be obtained by a licensed electrician and plumber.

A. If you are screening in an existing covered porch or covered deck, a permit is not required, with the exception of historical areas. If you are making a weatherproof enclosure of an existing porch or deck, a permit is required. Enclosing a porch or deck is considered an addition because it extends the “indoor” area of the house and is subject to the same setback limitations as the house itself. For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. Do I need a permit to put a fence on my property?

A. All fences over 42 inches high require a permit. Fences 42 inches or less in height do not require a permit unless located in a proposed or designated Baltimore County Historic District or on the Baltimore County Landmarks List.

Q. When is it necessary to have a grading permit?

A. If the proposed grading disturbs over 5,000 square feet of surface area or over 100 cubic yards of fill material is utilized, a permit is required. For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Q. How do I arrange for a percolation test?

A. First, a percolation application must be filled out and submitted to Permits, Approvals and Inspections along with a $60 fee and four copies of a map (scaled 1:100) of the property showing property lines, topography and nearby streams. Once the application has been reviewed and approved by the Department of Environmental Protection and Sustainability (EPS), the property owner needs to hire the services of a backhoe operator who will then schedule an appointment to perform the tests with a EPS sanitarian. You may review and\or print the percolation checklist (PDF) online. For additional information and permit fees, contact Permit Processing at 410-887-3900, Monday through Friday from 8:30 a.m. to 4:30 p.m.

Revised August 3, 2016


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Public Protection Classification (PPC) Frequently Asked Questions #state #fire #marshal, #public #protection #classification #frequently

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Public Protection Classification (PPC) Frequently Asked Questions

What is the Public Protection Classification (PPC) system?

It is the countrywide classification system used by the Insurance Services Office (ISO) to reflect a community’s local fire protection for property insurance rating purposes. The public fire protection of a city, town or area is graded using ISO’s Fire Suppression Rating Schedule to develop the community’s classification.

Where is the PPC system used?

The PPC system in some form is used in all 50 states. All of the top insurance groups use ISO’s PPCs except for State Farm. State Farm developed its own classification system, based on subzones. The subzone rating tracks very closely to the PPC.

ISO is a New Jersey-based advisory organization that serves the property and casualty insurance industry by providing inspection services, insurance coverage form development and statistical services. ISO has Texas offices in Dallas and Austin.

How does the PPC system grade local fire protection?

ISO classifies communities from 1 (the best) to 10 (the worst) based on how well they score on the ISO Fire Suppression Rating Schedule, which grades such features as water distribution, fire department equipment and manpower and fire alarm facilities. ISO field representatives use the schedule when surveying a community’s fire protection capability. The score that is determined from applying the Fire Suppression Rating Schedule is translated into a public protection classification. A perfect score in Texas is 104.26. It consists of 50 points for fire department capabilities, 40 points for water supply and distribution, 10 points for receiving and handling fire alarms and up to 4.26 points for “Texas Exceptions” that give extra credit for compressed air foam systems, certified volunteers and attending or teaching at the annual firemen’s training school at Texas A M University.
Texas Exceptions to the Fire Suppression Rating Schedule .

How does a community’s score translate into a PPC rating?

The following table shows the number of points required for each PPC Class:

Points Required for Each PPC Class

What does a dual PPC like 7/9 mean?

In some communities, a split classification is developed. An example of the split classification is 4/4x or 4/4y. The first number refers to the classification of properties within five road miles of a fire station and within 1000 feet of a creditable water supply. The second number, with either the “x” or “y” designation, applies to properties within five road miles of a fire station but beyond 1000 feet of a creditable water supply.

Does ISO automatically penalize communities for having volunteer fire departments?

No. Canyon’s all-volunteer fire department, for example, has a rating of 3.

What does the PPC system mean to me?

The Public Protection Classification (PPC) program recognizes the efforts of communities to provide fire protection services. Some insurance companies use the PPC information to help establish fair premiums for insurance. By offering economic benefits for communities that invest in their firefighting services, the PPC program provides additional incentives for improving and maintaining public fire protection.

The PPC program also provides help for fire departments and other public officials as they plan, budget and justify improvements.

The most signicant benefit of the PPC program is its effect on fire losses. The better the fire protection, the lower the fire losses. This results in lower insurance rates.

Do PPC ratings vary from company to company?

Yes, it can, because some insurance companies do not use ISO.

In general, how do Texas communities stack up?

Larger cities, which tend to have the best fire protection, generally are rated 1 or 2. A few are rated 3. Small towns tend to cluster in the 4-to-7 range. A number of previously un-inspected areas that returned ISO questionnaires about their fire fighting capabilities are rated 7 or 9.

Does my community’s Public Protection Classification significantly affect my homeowners’ insurance premium?

Although homeowner s insurance rates are driven mainly by your area s claim experience, your community s PPC can also be important.

Some companies may not use ISO, but for those that do, they assign a rating factor to each classification. If a community s PPC improves, in general, the premiums insurers charge will decrease; if the PPC deteriorates, then premiums will increase. Insurers determine how much each PPC affects premium based on their own experience, so rating factors vary by insurer. To find out how your community s PPC affects how much you pay for insurance, contact your insurer or several insurers within your community if you are shopping for insurance.

Can you give examples of how differences in PPC ratings affect individual homeowners’ rates?

Insurer’s writing homeowners insurance policies in Texas are not required to use the PPC factors from the Texas Personal Lines Manual. Insurers may file and use their own factors.

What about homes in remote locations?

Any building more than five road miles from a fire station or outside the boundary of a fire protection area, such as a city or volunteer fire department service area is rated 10. An exception is an area that has an “automatic aid agreement” with a recognized and rated fire department to respond to fires in that area. In such cases, ISO assigns the area a rating after evaluating the agreement. Use of the assigned rating will depend on the distance of individual buildings from fire stations.

How can I learn my community’s PPC rating?

How can my community get a better PPC rating?

By asking ISO for a re-evaluation based on improvements since last inspection. If your community has never been inspected, it needs to start by returning ISO’s questionnaire if it has not already done so. City officials can make inquiries by calling ISO Customer Service, 1-800-444-4554 or TDI’s PPC Oversight Representative at 512-676-6784. For a re-evaluation, ISO requires a letter from the fire chief or city official.

If my town makes improvements and seeks a re-evaluation, how soon will the improvements affect my homeowners’ insurance rate?

ISO publishes evaluations quarterly. For several reasons, including the fact that homeowners policies are written for a year at a time, it may take a year or longer for a re-evaluation to affect an individual homeowner’s premium.

Does TDI oversee ISO to assure that PPC ratings are accurate and fair?

Yes, TDI has a PPC Oversight Representative that reviews each proposed new classification rating. This review ensures the accuracy of the survey, and will take no longer than 30 days. If the new rating appears reasonable, TDI authorizes ISO to publish it for use by insurance companies.

Are ISO inspection reports and lists of PPC ratings open records?

Yes, inspection reports may be viewed at ISO’s office in Austin (8911 N. Capital of Texas, Westech 360, Bldg. II Suite 2110, telephone (800) 444 4554, option 2). The current ratings list and certain other documents such as grading sheets and inspections summary sheets are on file with TDI as open records. The Public Protection Classification Office also has copies which are available upon request.

For more information, contact:

Last updated: 07/24/2015

Contact Information and Other Helpful Links


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Green Pool Water: Killing Algae, Swimming Pool Algae, Care, Treating, Clear Up #green #pool

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Green Pool Water

If you have green pool water, you must take immediate action in killing the algae. Doing this will lessen the risk of swimming pool stains and will lengthen the pool water life.

For Green Pool Water You Should:

  • Bring the pH, pool alkalinity, and calcium hardness into line. Never add chlorine without first adjusting these three.
  • I suggest you use liquid chlorine instead of calcium hypochlorite, to shock your pool. This kind of pool chlorine has a pH level of 12. For parts of the country that might have hard water, liquid chlorine will do just fine.
  • Brush the bottom, sides, and steps to loosen any algae that may be adhering to the surface.
  • Continuously run your filtration system and be sure to backwash
  • Also watch that the pool’s water level does not get below a minimum of 2” from the bottom of the skimmer. You want to get rid of the dead algae.
  • Super-chlorinate (shock) the pool
  • Keep brushing and vacuuming to rid the pool and any residual algae and remember to keep filtering and backwashing to get rid of the swimming pool algae.
  • Brush and filter, then brush and filter, and then after you do those, well you guessed right, it’s time to brush and filter some more.

Be sure to have the pump running 24/7 and backwash once per day. You can go up to 15ppm, but no higher. Anything after that and you’re wasting money and chemicals.

For a more detailed look at exactly how to clear up your cloudy or green swimming pool, check out my F.T.A. Process .

Remember, when you have green pool water or any swimming pool algae problem, there is no quick fix. It will take time, effort, and patience to clear up your pool.

When your swimming pool chlorine is down to 2 – 4 ppm the pool will be safe to swim in once again.

Obviously you would NEVER allow anyone to swim in the pool until the green pool water is gone and the algae has cleared up.

What Other Visitors Have Said

Click below to see contributions from other visitors to this page.

Help My Pool Is Very Green
My pool is very green. We have a 24000 gallon in-ground pool with a sand filter. We replaced the sand in the filter about 8 months ago. Four days ago I

Please Help With Pool Water
18000 Gals Clorine pool-irregular shape outdoor pool White plaster TX summer heat is about 95 deg Reading from Leslie’s pool: FAC: 2 TAC: 2 CH: 210

Green Water with Copper | Pool Rx System
THere is 0.32 ppm Cu(ii) in pool. Can this level of Cu(ii)turn water to grean? How can I make sure that this problem is for copper not for something else?

Green Pool After Shocking Turned Brown Then Green ?>

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Texas A – M – Commerce (GMAT can be waived – it s AACSB-accredited)

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Thread: Texas A M – Commerce (GMAT can be waived it’s AACSB-accredited)

Teachers play an important role in fostering the intellectual and social development of children during their formative years. The education that students acquire is key to determining the future of those students. Whether in elementary or high schools or in private or public schools, teachers provide the tools and the environment for their students to develop into responsible adults.
Teachers act as facilitators or coaches, using classroom presentations or individual instruction to help students learn and apply concepts in subjects such as science, mathematics, and English. They plan, evaluate, and assign lessons; prepare, administer, and grade tests; listen to oral presentations; and maintain classroom discipline. Teachers observe and evaluate a student’s performance and potential. They are increasingly asked to use new assessment methods

�Public school teachers must be licensed, which typically requires a bachelor’s degree and the completion of an approved teacher education program; private school teachers do not have to be licensed but may still need a bachelor’s degree.
�Job prospects are best for teachers in high-demand fields, such as mathematics, science, and bilingual education, and in less desirable urban or rural school districts.
�Teachers must have the ability to communicate, inspire trust and confidence, and motivate students, as well as understand students’ educational and emotional needs.

Click Here
to find FREE information on schools offering this course of study.

Lewis offers the following online degrees: Bachelor�s Degree in Fire Service Administration; Certificates in Nursing Administration and Nursing Education; Master�s Degree in Organizational Leadership (Higher Education, Management, Not-For-Profit, Public Administration, and Training), Information Security (Managerial and Technical); and MSN in Nursing Administration and Nursing Education.

The school is regionally accredited, the most widely recognized accreditation.

Click Here
to receive FREE information on this school.

Colorado State University – Global Campus

Colorado State University – Global Campus

Colorado State University offers accredited Bachelor completion and Master programs in a variety of fields, including business management, organizational leadership, a Masters in Teaching and Learning, and a BS in Social Sciences (degree completion)

The school is regionally accredited, the most widely recognized accreditation.

Click Here
to receive FREE information on this school.

Last edited by dl_mba; 11-08-2011 at 05:15 AM.

Join Date Dec 2011 Posts 4

Hi! Has anyone on here heard anything about the MS in Accounting a TAMU-Commerce? I am interested in the program. Thanks!

Argosy offers online Bachelor’s, Master’s and Doctorate in Business Administration, psychology, and HR-related degrees, with many specialty degrees, including organizational psychology, exercise psychology, HR, public administration, higher education administration, and many more.

Argosy also offers the same degrees and more from 19 locations across the U.S. and is a leader in the distance/online education field.

Argosy has one of the largest graduate student communities in the nation, and is regionally accredited, the most widely recognized accreditation.

Click Here
to receive FREE information on this school.

Join Date Nov 2004 Posts 658

Hi! Has anyone on here heard anything about the MS in Accounting a TAMU-Commerce? I am interested in the program. Thanks!

There is already an active thread about this.


Fast Track PHD on #phd,phds,masters,mba,courses,studentships,help,support,msc,post #docs,professional #doctorates, #mba #admissions, #mba #application, #mba #career #change,

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Fast Track PHD

posted about 2 years ago

Depending on the country it might also mean without doing the master first (?) Otherwise it would be a bit strange to have just 3 years of bachelor followed by a fast track Phd. That would mean only 5 years compared to the 8-9 years it takes in every other country. Can t believe that this is possible. Would be a bit too easy in my opinion 😉

posted about 2 years ago

In Australia you can go straight from a BA Honours to a PhD without having to do any postgrad stuff in between.

When I went to Australia for my Masters by Research Only (no coursework) in 2011, the first day I met my supervisor he advised me to upgrade to a PhD and to treat the project as a PhD project, which I did. I submitted in 3.5 years and have been finished since December 2014 (now graduated and officially a Dr yay!)

I m originally from Canada, so had applied for a masters thinking that I had to do one first, but this wasn t the case in Australia.

It s not a fast-track per say but the option to skip the MA if you have the capacity. However, there are upsides and downsides. The upside was a quicker finish for the PhD, but some downsides included feeling a bit behind (even though I did very well) because I didn t have the MA experience coming straight out from a BA honours, and feeling behind in some areas such as knowing about grants, getting published and conference attending. It was also a whole new subject area for me as well.

So to fast track, the options need to be weighed. It hasn t impacted my career as I managed to land a T R position at my uni and am beginning to collaborate with other researchers on projects, but it also hasn t been easy.

So one thing to keep in mind is that fast tracking can be a disadvantage for you when considering all the other not-so-directly related aspects of the PhD/Academic life. I had full funding from the university in the form of an international scholarship, so grants were not things I was thinking about (but now wish I had to beef up the CV).

I had 4 years BA and then the PhD took an additional 3.5 years, so a total of 7.5 years.

posted
04-Jun-15, 22:35

edited about 3 seconds later

posted about 2 years ago

Quote From awsoci:
However, there are upsides and downsides. The upside was a quicker finish for the PhD, but some downsides included feeling a bit behind (even though I did very well) because I didn t have the MA experience coming straight out from a BA honours, and feeling behind in some areas such as knowing about grants, getting published and conference attending. It was also a whole new subject area for me as well.

I definitely agree. I think even though it takes longer, there are big advantages to doing an MSc before a PhD.

posted
05-Jun-15, 07:18

edited about 2 minutes later

posted about 2 years ago

I think it depends on your long-term goals. If you go for a position in academia such as lecturer, assistant professor etc. it is probably an advantage. It is hard to compare PhD students among each other but I have a hard time believing that someone with only the bachelors degree has the same routine and performs as well as someone with a master degree. I definitely would not. We have 2 year master programms and that is often more than 1 year practical lab research + the course work combined. That is just a lot of experience.

However, if you don t want to continue in academia, I would consider it a huge advantage to skip the master. Companies often appreciate younger applicants, as they are more shapeable and you also have the advantage of getting a real salary two years earlier. Not so bad. It is definitely one of the down sides that you are often 30 years + until you enter the job market.

posted
05-Jun-15, 08:24

edited about 16 minutes later

posted about 2 years ago

Quote From Dunham:
. It is hard to compare PhD students among each other but I have a hard time believing that someone with only the bachelors degree has the same routine and performs as well as someone with a master degree.

I find this a little insulting. However, it s also not clear if you are referring to hard science degrees only, because I am in the social sciences and do mixed methods (quant/qual) as well as both content analysis and interviews as my major research methodologies.

If the former, I may have had just bachelors with honours, but I also graduated with an exceptionally high average (over 90%), had two RAs under my belt by my undergraduate graduation, one completed for a not-for-profit while the other for my university, 2 scholarships and 1 grant, a publication and fieldwork experience.

I performed exceptionally well during my PhD despite the set backs I mentioned earlier. I was fully funded, had a very strong result with my PhD examination (pass with minor and I mean took 2 days minor changes), continued to gain RA experience, completed social research tenders (i.e. outside the university research for not-for-profits/governments), conference presentations, had published from my PhD prior to submission and am currently publishing more works, and a heap of teaching experience that included complete unit coordination and lecturing as well as tutoring and guest lecturing. None of this includes any of the community outreach or professional service that I engage in on top of all of this.

But this wasn t easy and I worked very, and I mean very hard. I knew I had a disadvantage coming in straight from a BA Honours, but to suggest that someone like me wouldn t perform as well as someone with a masters degree is a bit pretentious. I know a number of masters to PhDs doing absolutely poorly, and ones doing very well.

It s highly individual and on that note, no PhD student will have the same routine that works for them.

posted
05-Jun-15, 09:16

edited about 12 minutes later

posted about 2 years ago

You would have exactly the same CV if you did a 2-year master before your PhD project. I am not saying that people who start a PhD after their bachelor degree are generally incompetent, but that 2 years more experience are 2 years more experience (for the individual researcher !). No need to justify yourself. It is just a completely objective fact. Of course you also find incompetent master graduates but that is completely individual. Those people would not have performed better if they started the PhD right away after the bachelor.I may relate it to natural sciences, but that does not change the point. More experience is more experience. I don t really believe that someone does 2 years of masters and does not develop at all.

I did not mean that offensive but I truly believe that e.g. a physicist needs much more supervision and guidance if he starts a PhD after the bachelor compared to the same physicist with a master degree. If you just compare a master thesis to a bachelor thesis and the amount of time you spent for the research. That is a huge difference. I can t believe that this makes no difference for the individual. That you worked hard doesn t change that fact or would you ve worked less hard during a master degree? 😉


10 Questions to Ask Before Committing to a Business Partner #business #address


#business partner

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10 Questions to Ask Before Committing to a Business Partner

Like a marriage, a business partnership often begins with enthusiasm and high expectations — only to end in acrimony and legal proceedings. It s important to know as much as possible about a potential partner, including how his or her finances and family life may affect the business, before signing on the dotted line.

Here are some questions to ask before deciding if partnering is a good idea:

1. What do I need from a business partner?
You should look for a business partner who brings something different to the table than you do. If you re creative, maybe you need a more detail-oriented partner. If you have money to invest in the business, you may want to look for a partner with access to a market, or with great connections. Or if you re shy, you might need a good people person to balance the equation. If they re similar to you, it might be more comfortable, but it may not be what you need, says William M. Moore, founder of the Moore Firm in San Diego, a law firm that serves entrepreneurs. You need someone who complements your skills and personality.

2. What is your potential partner s financial situation?
It is important to have an understanding of someone s financial status and commitments before getting into a venture together. It is tough to ask what they are currently spending on a house or in payments to an ex-spouse, but someone s prior financial commitments shape the decisions they will make in the short term, says Gregory Kratofil, an attorney and shareholder with the law firm Polsinelli Shughart in Kansas City, Mo. who specializes in small business interests. If he has large outstanding obligations, but says he can get by on $35,000 salary, it is a red flag.

3. What are the potential partner s expectations on the time involved?
Partners don t have to spend the same amount of time, but it is important that they are on the same page as to each other s expected time commitments. How many hours a day does your partner expect to put into the venture, and do his expectations meet yours? It is equally important to level set your partner s expectations on your time commitments, Kratofil says. The age old adage that it s better to under-promise and over-deliver applies here.

4. Is your potential partner s commitment to the business as strong as yours?
I don t care if it s a coffee house or a design firm, the business partner s commitment has to equal yours, says Bob Phibbs, consultant and CEO of The Retail Doctor. a site that provides information to small and medium-sized businesses. A partnership — especially one between friends — can start off with fun and excitement, but within a short time, the slog of every day catches up with you. If they re not as committed to the business as you, they may lose their enthusiasm and may actually be damaging the brand every time you open your doors.

5. Is there something in your potential partner s family life that might make the business a secondary interest?
If your potential partner has a pregnant wife or is taking care of an elderly parent, he may be distracted from the business. That s why you have to be brutally honest when thinking of forming a partnership. The partner can say, My wife is behind me 100 percent. But I want to talk to the wife, Phibbs says. If they re too distracted by a family issue or their family isn t behind them, the business may be doomed from the start.

6. How would he or she handle a tough situation?
It s important to know what your potential business partner will do if he has his back up against the wall — and it will happen, Phibbs says. The best way to discover this is to look at what he s done in past business ventures. If he couldn t meet payroll, for example: Did he do the right thing and dip into savings or borrow from a credit card or a friend? Or did he pay employees late, or not at all? Or worse, did he skip paying payroll taxes? It all comes down to character issue, Phibbs says, adding, Payroll taxes are a federal obligation. If that s negotiable, you can bet your partnership is also negotiable.

7. What questions do they have for me?
If a potential employee doesn t ask any questions in a job interview, you might be less likely to hire him because of a perceived lack of interest. The same applies to a potential business partner, who should want to know about your character, reliability and expectations. I want them to ask me the same tough questions I ask them. If they say it doesn t really matter, it could mean two things: their expectations are too high or they might be kind of flighty, Phibbs says. Things may be fine now, but in a month or two, they may want to change things or even get out of the deal.

8. What is the potential partner s standing in the community?
A lot of people seem good at first, but that may be their skill — seeming good at first, Moore says. Once they get their foot in the door, it may be difficult to get them out. Talk to former employees to see what they were like to work with, or for. If you re looking for someone with money connections, verify that they have money. If they say they have great connections, see if those connections go beyond just being recognized and given a slap on the back. A business partnership is not a marriage, but there should be some sort of courtship process that you can verify that they are who they say they are, Moore says.

9. Are they willing to put everything in writing?
Many partnerships are cemented with a handshake, but this can be a recipe for disaster. It s crucial to put it on paper — not only what is expected of each partner, but the consequences if expectations aren t met. There s something about actually putting it in writing that exposes the potential problem areas in the partnership, Moore says. If someone has a family emergency and disappears the first six months of the business — even though it may not be through any fault of his own — are you still expected to give that person a certain percentage of the business? If someone simply isn t pulling his or her weight, you need to be able to get them out without destroying the business, he adds. And if it s in writing, there s no arguing it.

10. Do I really need a partner?
If you can get someone to do something without giving them a stake in your business, it s always better, Moore says. People get wrapped up in the idea of needing to work with someone, but it s not always a good idea. Sometimes you need somebody to show up from 9-5, work hard and go home, he says, adding. If you re cash poor, or it s a startup and you don t expect to make money right away, taking on a partner might be the better option. But if you can just pay somebody to show up and work, it s generally a better option than giving them a stake in the company.

And now a bonus question.

What happens if we can t work it out?
Most people don t envision the rough times ahead for a new venture, so this question is probably the hardest to remember to ask and the beginning. Yet, the best time to address potential problems with your partner is at the beginning before emotions run high. You can t predict every potential problem, but a good startup lawyer can help you work through some of the common problems and put a framework in place to help address unforeseen circumstances, Kratofil says.


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